You are viewing fixed rate ira rates across New Jersey

New Jersey IRA CD Rates

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

NJ - May 5, 2016

BANKS APY Term MIN MILES ?
Firstrust Savings Bank 2.25% 59 $2,500 -
Highlands State Bank 2.07% 57 $1,000 -
National Penn Bank 2.00% 58 $500 -
Gibraltar Bank 2.00% 58 $2,500 -
BCB Community Bank 2.00% 42 $500 -
NVE Bank 1.75% 55 $1,000 -
Spencer Savings Bank, SLA 1.75% 60 $500 -
Boiling Springs Savings Bank 1.75% 36 $1,000 -
Northfield Bank 1.75% 60 $500 -
Santander Bank, N.A. 1.70% 60 $500 -
National Penn Bank 1.65% 46 $500 -
Gibraltar Bank 1.60% 46 $2,500 -
Banco Popular North America 1.50% 48 $500 -
Gibraltar Bank 1.50% 40 $2,500 -
Cornerstone Bank 1.50% 60 $500 -
Liberty Bell Bank 1.45% 36 $500 -
National Penn Bank 1.40% 34 $500 -
Firstrust Savings Bank 1.40% 60 $1,000 -
Lakeland Bank 1.35% 35 $500 -
Boiling Springs Savings Bank 1.35% 24 $1,000 -
Metuchen Savings Bank 1.31% 48 $500 -
The Berkshire Bank 1.30% 36 $10,000 -
Unity Bank 1.25% 45 $1,000 -
Branch Banking and Trust Company 1.25% 25 $500 -
First Hope Bank, A National Banking Association 1.25% 26 $500 -
The Berkshire Bank 1.25% 24 $10,000 -
New Millennium Bank 1.25% - $500 -
Northfield Bank 1.25% 36 $500 -
NVE Bank 1.20% 72 $1,000 -
Crown Bank 1.20% 20 $1,000 -
Highlands State Bank 1.16% 14 $1,000 -
Oritani Bank 1.15% 16 $1,000 -
Northfield Bank 1.15% 18 $500 -
The Berkshire Bank 1.15% 18 $10,000 -
Lakeland Bank 1.15% 23 $500 -
Cornerstone Bank 1.15% 23 $500 -
Gibraltar Bank 1.15% 25 $2,500 -
Atlantic Stewardship Bank 1.11% 30 $500 -
Manufacturers and Traders Trust Company 1.11% - $1,000 -
Fox Chase Bank 1.10% 30 $500 -
First Commerce Bank 1.10% - $1,000 -
Columbia Bank 1.10% 20 $500 -
Highlands State Bank 1.06% 20 $1,000 -
Firstrust Savings Bank 1.05% 23 $2,500 -
New Jersey Community Bank 1.05% - $1,000 -
New York Community Bank 1.01% 18 $2,500 -
Atlantic Stewardship Bank 1.01% 20 $500 -
Fulton Bank of New Jersey 1.01% 36 $500 -
Spencer Savings Bank, SLA 1.00% 18 $500 -
Banco Popular North America 1.00% 19 $500 -
First Bank 1.00% - $500 -
Lakeland Bank 1.00% 13 $500 -
Oritani Bank 1.00% 9 $1,000 -
Branch Banking and Trust Company 1.00% 18 $500 -
Gibraltar Bank 1.00% 15 $2,500 -
1st Colonial Community Bank 1.00% - $500 -
Manasquan Savings Bank 1.00% - $500 -
Somerset Savings Bank, SLA 1.00% 18 $500 -
Brunswick Bank and Trust Company 1.00% - $250 -
Grand Bank, National Association 0.96% - $1,000 -
Cornerstone Bank 0.95% 13 $500 -
Columbia Bank 0.90% - $500 -
Delanco Federal Savings Bank 0.90% 28 $1,000 -
TrustCo Bank 0.90% 13 $500 -
Oritani Bank 0.90% 5 $1,000 -
CTBC Bank Corp. (USA) 0.85% 11 $5,000 -
Firstrust Savings Bank 0.85% 14 $2,500 -
Harvest Community Bank 0.85% - $500 -
Bogota Savings Bank 0.85% - $1,000 -
Cornerstone Bank 0.85% 7 $500 -
ConnectOne Bank 0.85% - $500 -
ConnectOne Bank 0.80% 10 $500 -
Grand Bank, National Association 0.80% 12 $1,000 -
BBCN Bank 0.80% - $5,000 -
First Choice Bank 0.80% - $1,000 -
Banco Popular North America 0.80% 11 $500 -
Sun National Bank 0.75% - $500 -
Grand Bank, National Association 0.75% 6 $100,000 -
Royal Bank America 0.75% - $1,000 -
Boiling Springs Savings Bank 0.75% 12 $1,000 -
Ponce De Leon Federal Bank 0.75% - $1,000 -
Wilshire Bank 0.75% - $1 -
Armed Forces Bank, National Association 0.75% - $500 -
BNB Hana Bank, National Association 0.71% - $500 -
Amboy Bank 0.70% - $1,000 -
New York Community Bank 0.70% 7 $2,500 -
Indus American Bank 0.65% - $2,000 -
Delanco Federal Savings Bank 0.65% 18 $1,000 -
Firstrust Savings Bank 0.65% 35 $1,000 -
CTBC Bank Corp. (USA) 0.65% - $100 -
Customers Bank 0.60% - $500 -
Haddon Savings Bank 0.60% - $500 -
Valley National Bank 0.60% - $250 -
Parke Bank 0.60% - $500 -
Hanmi Bank 0.60% - $1,000 -
Liberty Bell Bank 0.55% - $500 -
Delanco Federal Savings Bank 0.55% 13 $1,000 -
The Bank of Princeton 0.55% - $500 -
Alma Bank 0.55% - $2,500 -
Cathay Bank 0.50% - $100 -
Beneficial Bank 0.50% - $500 -
Oritani Bank 0.50% - $1,000 -
Freehold Savings Bank 0.50% - $500 -
1st Constitution Bank 0.50% - $1,000 -
Highlands State Bank 0.50% - $1,000 -
The Berkshire Bank 0.50% - $1,000 -
Audubon Savings Bank 0.50% - $1,000 -
Republic Bank 0.50% - $500 -
Crown Bank 0.50% - $1,000 -
Spencer Savings Bank, SLA 0.50% - $500 -
Boiling Springs Savings Bank 0.50% - $1,000 -
Wells Fargo Bank, National Association 0.50% 58 $2,500 -
BCB Community Bank 0.45% - $250 -
Kearny Bank 0.45% - $500 -
Unity Bank 0.40% - $500 -
Magyar Bank 0.40% - $100 -
New York Community Bank 0.40% - $500 -
Monroe Savings Bank 0.40% - $500 -
Capital Bank of New Jersey 0.40% - $500 -
Delanco Federal Savings Bank 0.40% - $1,000 -
Ocean City Home Bank 0.35% - $500 -
Metuchen Savings Bank 0.35% - $500 -
National Penn Bank 0.35% - $500 -
Fulton Bank of New Jersey 0.30% - $500 -
Millville Savings and Loan Association 0.30% - $1,000 -
The First National Bank of Elmer 0.30% - $100 -
NVE Bank 0.30% - $500 -
Cape Bank 0.30% - $1,000 -
Newfield National Bank 0.30% - $500 -
Wells Fargo Bank, National Association 0.30% 39 $2,500 -
Franklin Bank 0.30% - $1,000 -
Century Savings Bank 0.30% - $500 -
City National Bank of New Jersey 0.25% - $500 -
TD Bank, National Association 0.25% - $250 -
First Hope Bank, A National Banking Association 0.25% 7 $500 -
Investors Bank 0.25% - $500 -
SussexBank 0.25% - $1,000 -
Firstrust Savings Bank 0.25% 9 $1,000 -
First Hope Bank, A National Banking Association 0.22% - $500 -
Lakeland Bank 0.22% 9 $500 -
Fox Chase Bank 0.20% - $500 -
Branch Banking and Trust Company 0.20% - $500 -
Northfield Bank 0.20% - $2,500 -
Atlantic Stewardship Bank 0.20% - $500 -
Wells Fargo Bank, National Association 0.20% 26 $2,500 -
Lakeland Bank 0.17% - $500 -
Wells Fargo Bank, National Association 0.16% 24 $1 -
The Pennsville National Bank 0.15% - $500 -
Capital One, National Association 0.15% - $1,000 -
The First National Bank of Absecon 0.15% - $1,000 -
Banco Popular North America 0.15% - $1 -
Cornerstone Bank 0.15% - $500 -
PNC Bank, National Association 0.15% - $1,000 -
Firstrust Savings Bank 0.10% - $1,000 -
Somerset Savings Bank, SLA 0.10% - $500 -
Wells Fargo Bank, National Association 0.10% 9 $2,500 -
Santander Bank, N.A. 0.10% - $500 -
Bank of America, National Association 0.07% 12 $2,000 -
Bank of America, National Association 0.05% - $1 -
Wells Fargo Bank, National Association 0.05% - $1 -
TrustCo Bank 0.05% - $500 -
Bank of America, National Association 0.04% 9 $2,000 -
PNC Bank, National Association 0.04% - $1 -
Citizens Bank of Pennsylvania 0.03% - $250 -
JPMorgan Chase Bank, National Association 0.01% - $1 -


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Fixed Rate IRA CDs

Fixed Rate IRA CDs are CDs that are held within an Individual Retirement Account (IRA) or a Roth Retirement Account. In an IRA, the funds are deposited pre-tax and allowed to accumulate tax free. When the individual retires, they are withdrawn and all earnings are taxed at the prevailing tax rate. Because individuals generally have lower incomes upon retirement, the tax rate is lower than what it would have been during their working years.

With a Roth IRA, post-tax funds are deposited into the account and the money is allowed to accumulate and be withdrawn tax free.

If the funds are withdrawn before retirement age 59 1/2, the individual will be required to pay a 10% penalty on top of any taxes owed. There are some exceptions to this rule. Fund can be withdrawn penalty free if they are used to pay for education at an IRA qualifying institution or in the purchase of a house.

Advantages to a FIRA

 · 

Money grows in a tax-advantaged way.

 · 

Funds are FDIC insured, just like a regular CD.

 · 

Interest rates on FIRAs are often higher than the same terms for a CD.

 · 

Some flexibility in withdrawing the money early for first time homebuyers and education expenses.

Disadvantages to a FIRA

 · 

Returns may not be as high as stocks, bonds, mutual funds.

 · 

Funds cannot be withdrawn until 59 1/2 without penalty (except for IRS approved expenses).

 · 

If interest rates rise during the term of the FIRA, money will be stuck in lower yielding account.

Please click here for more information on fixed rate IRA CDs.

  • Gary Ronan

    May 03, 2016

    Your not locked in for 5 years. You can take it out any time but you will lose interest for a specified term. My credit union which holds my Roth IRA will dun me 6 months interest but your not making much anyway.

  • Carolyn Hornyak

    January 18, 2016

    I saw in the Phoenix, Arizona an ad for Sun Cities Financial Group advertising a high yield CD special for 4.40%? Is this legitimate?

    Carolyn

  • JOHN

    January 14, 2016

    MORE USELESS INFO. NO LENGHT OF TERM LISTED. ONLY USEFULL INFO IS NAME OF INSTITUTION SO I CAN PHONE THEM.

  • Chotzey

    December 30, 2015

    To lock in @ 5 years may be risky. When watching MSNBC the other day they were saying rates are to be gradually going up. May be a gamble, but everything is.

  • Ray P

    December 30, 2015

    None of the rates shown can be found at any of the banks. The actual bank rates are almost half of what is shown here.

  • Lori Martin

    January 09, 2015

    Jack:

    ??? Looked up rates at PenFed (we're a member) and they show a 5 yr at 1.76%. The last time it was 3.0 and over (3.04) was in Dec. 2013 (for the 5 & 7 year).

  • Jack Mazer

    January 27, 2014

    Penfed offers a 60 month cd at 3 percent.

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